Online Prices for Sterling Heights Car Insurance Agents

When finding a licensed insurance agent in Sterling Heights, it’s recommended you start your research on the web in order to save time. It’s likely you want a competent insurance agent, but you also need great rates as well.

With insurance companies like independent agents, Allstate and State Farm all competing for business in Sterling Heights, consumers have a hard time knowing which auto insurance agent will provide the best rates, service and coverage. Thankfully, consumers can get online price quotes to get a list of insurance agents from which to choose.

Save time by quoting online

Educated insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing insurance prices online is that you can obtain better rates but also keep your business local. Supporting local insurance agencies is important particularly in Sterling Heights.

For easy comparison, once you complete this quick form, your coverage information is immediately sent to companies in Sterling Heights who will battle for your coverage. There is no reason to visit any agencies as quotes are delivered immediately to your email address. Now that’s easy! You’ll get the best rates and an insurance agent to talk to.

Captive agents vs. Independent agents

If you’re trying to find local Sterling Heights agents, you must know there are a couple types of insurance agents from which to choose. Insurance agencies in Sterling Heights are classified as either captive or independent (non-captive).

Independent Insurance Agents

Independent agencies are not locked into one company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, it’s a good idea to include at a minimum one independent agency to ensure the widest selection of prices. They often place coverage with smaller companies who may have lower rates.

Listed below is a short list of independent agents in Sterling Heights willing to provide price quote information.

Fisher Agency – 2567 Metropolitan Pkwy # 102 – Sterling Heights, MI 48310 – (586) 979-1330
Jane Walsh Agency – 38916 Dequindre Rd – Sterling Heights, MI 48310 – (586) 977-9250
AAA Insurance – 13415 15 Mile Rd – Sterling Heights, MI 48312 – (586) 977-6663
Rhonda KERN Agency – 13468 15 Mile Rd – Sterling Heights, MI 48312 – (586) 268-4800
Acson Insurance Svc – 41400 Dequindre Rd – Sterling Heights, MI 48314 – (248) 816-8400

Agency Captives

These agents write business for a single company like State Farm or Allstate. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on their products and sales techniques which can be an advantage. Consumers sometimes purchase coverage from captives mainly due to the prominence of the brand and the convenience of having all coverages with one company.

The following is a list of captive insurance agencies in Sterling Heights that are able to give price quotes.

State Farm Insurance – 2295 Metropolitan Pkwy # 100 – Sterling Heights, MI 48310 – (586) 979-8444
Allstate Insurance – 3719 15 Mile Rd – Sterling Heights, MI 48310 – (586) 977-2000
Farmers Insurance Group – 1999 15 Mile Rd – Sterling Heights, MI 48310 – (586) 977-7003
Liberty Mutual Insurance – 14460 Lakeside Cir # 110 – Sterling Heights, MI 48313 – (586) 532-7298

For a full directory of captive agents in Sterling Heights, please view this page.

Picking an insurance agency shouldn’t rely on just the premium amount. These are valid questions to ask:

Which company do they place the most coverage with?
Do they make recommendations based only on price?
Do they regularly work with personal auto policies?
Do they carry Errors and Omissions coverage?
If you are a high risk driver, do they have special markets for your coverage?
What insurance companies do they recommend if they are an independent agent?
Does the company allow you to choose your own collision repair facility?
Are there any discounts that you might be missing?

Upon receiving positive feedback to these questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that will insure your vehicles.

Is buying direct online an option?

Insurance agencies serve a purpose, but you also have the option of buying direct from companies that only sell online. Some companies that are more known for using agents, also let you buy a policy online, and consumers should do that if you don’t want to take the time to contact agents.

If you’re uncomfortable with not getting proper coverage when shopping online, this is normal but is quickly overcome. All companies have customer service departments to walk you through the process. Consumers also can use help pages and frequently asked questions that you can use if you have questions.

Does it save money buying online? It’s hard to say exactly since companies use quite a few components that impact your premium. Common sense would say that a consumer who buys direct saves money by not requiring a commission. But in most cases, the cost of constant advertising is expensive so there may not be significant savings.

To learn more about car insurance in Michigan

Additional information is available on the Michigan Office of Financial and Insurance Regulation website found here. Visitors are able to learn about insurance regulations, learn about specific coverages, and read enforcement actions against agents and companies.

Smart consumers save more

Cheaper car insurance can be found online in addition to many Sterling Heights insurance agents, so you should compare both to get a complete price analysis. Some companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Drivers switch companies for a number of reasons such as policy non-renewal, high prices, an unsatisfactory settlement offer or even denial of a claim. Whatever your reason, switching companies can be pretty painless.